States
Maryland minimum car insurance: 30/60/15
At least $30,000 per person, $60,000 per accident and $15,000 for property damage. Change the numbers below to test your own policy.
Minimum car insurance check and unpaid-damages estimate
Maryland minimum: 30/60/15 · no-fault or at-fault status not verified
Your limits meet this minimum.
Left unpaid by the policy in this scenario
$80,000
- Total damages: $155,000
- Injury paid by the policy: $60,000 (per-person cap reached)
- Property paid by the policy: $15,000
The scenario amounts are yours, not statistics. official page, read 2026-11-02. Everything you enter stays in this browser: nothing is sent or stored. General information, not insurance or legal advice.
Maryland's rule is about keeping cover without any gap. Transportation Article section 17-103 sets $30,000 for one person, $60,000 for two or more and $15,000 for property, with interest and costs on top. Section 17-106 then suspends the registration automatically when required security lapses, effective no later than 60 days after notice of the lapse, until proof of security and any penalty fee are in. The penalty is $200 per vehicle for 1 to 30 days, rising by $7 a day from day 31, and it cannot pass $3,500 for each violation in a 12-month period. Within 48 hours of being notified, the owner must surrender the evidence of registration, or the license itself may be suspended. At these rates a 90-day lapse costs $620. The figure is our arithmetic on the statute, so check it against any notice you receive.
Official pages read by Radif Partners · Editorial policy · Method and sources
What the three numbers mean in Maryland
1 other state we read use the same numbers. 4 ask for more per person, so check before relying on these limits after a move.
$30,000 is the most the policy pays for one injured person. $60,000 is the most it pays for everyone hurt in the crash. $15,000 is the most it pays for the other car and anything else you damage.
| Coverage | Minimum | Source read |
|---|---|---|
| Injury, one person | $30,000 | November 2, 2026 or November 3, 2026 |
| Injury, whole accident | $60,000 | November 2, 2026 or November 3, 2026 |
| Property damage | $15,000 | November 2, 2026 or November 3, 2026 |
Read on the official page for Maryland.
What else we read for Maryland
| Topic | What the source says | Source |
|---|---|---|
| No-fault or at-fault | Not verified | None read |
| Other required or offered cover | Not verified | None read |
| Penalties | Registration suspended on a lapse. Penalty of $200 per vehicle for 1 to 30 days, then $7 a day, capped at $3,500 per violation in 12 months (Transportation 17-106). | official text |
| SR-22 or similar filing | Not verified | None read |
Not verified means that we did not read the rule on an official page. It does not mean that the rule is absent, and we do not infer at-fault status from silence. Ask the state before relying on a blank.